It's payback time: but in a good way. Reviewing what you owe others and what others owe you, and making a plan to even things out again will leave you feeling totally together and organized (even if the truth is a little messier). This doesn't have to be just about financial matters, either. Time is just as valuable as money, so make time for those people who have given you so much of theirs. Plan a nice dinner with someone special.

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